The most prudent inbestMe portfolios continue to meet their objective in 2025

This report completes the 2025 performance reports.

The Savings Portfolio yielded 1.8 % in euros and 3.9 % in US dollars.

The savings portfolios have perfectly fulfilled the role for which they were created: achieving a return close to official interest rates with minimal risk (virtually no volatility or losses) to optimize short-term savings or an emergency fund.

During 2025, they yielded 1.8 % in euros and 3.9 % in US dollars.

They have accumulated 8.2 % and 14.5 % respectively, with a CAGR since inception of 2.6 % and 4.5 %.

The Savings Portfolio in euros has accumulated 2 percentage points more than average bank deposits up to 1 year since its inception.

In dollars, that differential exceeds 9 percentage points, as we reported when the FED decided to maintain interest rates.

We remind that Savings Portfolios are excellent for monetizing immediate savings or for an emergency fund, but in general, they will be insufficient to beat inflation.

To do so, some risk must be assumed, however minimal. The target portfolios and bond portfolios would be the first step (see reports below).

For medium- or long-term investment, indexed fund portfolios or pension plans would be the best choice, adjusted to our objectives, horizon, and risk profile.

Target Portfolios Achieve Their Goal

The target portfolios in euros, on the other hand, have accumulated 2.9 % (maturity 4/2026) and 3.5 % (maturity 12/2028). Regarding CAGRs, they clearly exceed the Savings Portfolio with 3.5 % and 3.0 %, respectively (although the starting period is not the same).

In the ETF version, returns are very similar, as shown in the following chart and table:

Target portfolios in dollars have benefited from higher interest rates, reaching 4.4 %, 5.4 %, and 6.3 % respectively for maturities 2026, 2027, and 2028.

The inbestMe target portfolios consolidate as an ideal alternative for savings with well-defined short- and medium-term horizons, with a commitment to remain invested until the target date.

Bond Portfolios Accumulate CAGRs Above 4 % in Euros and 7.4 % in Dollars

Bond portfolios in euros had a performance of around 2.2 % and 2 % for the prudent and adventurous portfolios, respectively, in 2025.

They have accumulated 7.9 % and 10.2 % respectively since inception, with a very attractive CAGR of 3.4 % and 4.3 %, with very low volatility and maximum losses, especially the prudent version.

Bond portfolios in dollars had a performance of 4.7 % and 8.5 % for the prudent and adventurous portfolios, respectively, in 2025.

They have accumulated 12.2 % and 17.8 % respectively since inception, with a very attractive CAGR of 5.1 % and 7.4 %, with very low volatility and maximum losses, especially the prudent version.

The Most Prudent inbestMe Portfolios Meet Their Objective in 2025

Overall, the most prudent inbestMe portfolios have demonstrated in 2025 that they consistently fulfill the role for which they were designed: preserving capital, offering stability, and efficiently capturing a now positive interest rate environment, both in euros and dollars.

The savings and target portfolios consolidate as a clearly superior alternative to traditional deposits for short-term horizons, while bond portfolios provide an extra return with very contained volatility and losses.

All of this reinforces inbestMe’s value proposition in prudent savings management, based on discipline, diversification, and a precise alignment between each product and its financial objective.